随着我国中小企业持续、快速发展,信用担保公司在社会经济中的作用显得

尤为重要。大力发展信用担保公司是政府转变行政干预为政策引导的有效方式,

是改善银企关系、强化信用观念、化解金融风险和改善中小企业融资环境的重要

手段。近年来,我国的中小企业的发展已经成为推动国民经济的重要动力。青岛

市的中小企业在青岛市经济发展中也起到了举足轻重的作用。然而却不得不面临

一个现实的问题,就是中小企业资金短缺,发展受限。而中小企业的资金主要是

来自商业银行的贷款,扶持信用担保公司的发展正是解决中小企业资金短缺问题

的重要途径。

文章首先介绍了我国当甜中小企业信用担保的现状,以及円本和美国中小企

业信用担保的模式和发展现状,从而通过国外的中小企业信用担保对我国中小企

业信用担保的发展趋势进行了借鉴和总结。然后,文章着重研究青岛市信用担保

行业的现状,从而发现青岛市当前面临的机遇和挑战。为了进一步深化主题,文

章进行了具体的案例调查分析,主要从资金来源、企业性质、担保种类等方面进

行研究分析,指出当前发展的瓶颈主要有以下几个方面:运营的障碍、风险控制

的障碍、担保收费的技术障碍、与银行协作的障碍,从而指出青岛市信用担保行

业当前存在的问题,提出了与之相对应的建议,如建立完善的中小企业信用担保

体系,加强中小企业信用担保机构内部建设,强化中小企业信用担保的外部环境

建设,加强中小企业信用担保机构的风险防范与控制,改革配套机构,完善辅助

建设,等等。

关键词:青岛市中小企业信用担保研究

I

THE PROBLEMS OF CREDIT GUARANTEE

ABOUT SMALL AND MEDIUM-SIZED

ENTERPRISES IN QINGDAO

ABSTRACT

With the rapid development of China's small and medium-sized enterprises,

Credit Guarantee Corporation is playing an important role in social economy.

Vigorously to develop the Credit Guarantee As usual,it is a common way to support

the development of small and medium-sized company. It is an effective way for

government to change the policy guidance, to reshape the relationships and to

strengthen the credit concept. In recent years, the rapid development of China's

SMEs, which is thought one of important factors to make our country, strength and

healthy. The city of Qingdao medium-sized enterprises also play a decisive role in the

modern society. However, they have to face a real problem which is the shortage of

fonds in the small and medium-sized enterprises. And the small and medium-sized

enterprise funds which almost come from commercial banks. To support the

development of Credit Guarantee Corporation is an important way to solve the

problem of shortage of funds for small and medium-sized enterprises.

The paper firstly introduces the development process of China's SME,and Japan

and the United States of America SMEs credit guarantee mode and the development

present situation, and through the foreign credit guarantee of small and medium-sized

enterprises development trend of China's SME credit guarantee for reference and

summary. Then, this paper focuses on the status quo of Qingdao credit guarantee

industry, so as to found the city of Qingdao,s opportunities and challenges. In order to

further deepen the theme, this paper analyzes the specific case, mainly carries on the

research analysis from the aspects of source of funds, the nature of the enterprise,

guarantee, points out the bottleneck mainly has the following several aspects:

Operation barrier, risk control barriers, technical barriers,guarantee fees and bank

cooperation obstacle, which pointed out that the Qingdao credit guarantee industry

currently existing problems, put forward the corresponding suggestions such as: the

establishment of SME credit guarantee system ,strengthen the SME credit guarantee

institutions,strengthen the internal construction of credit guarantee of small and

medium enterprises external environment construction, strengthen the SME credit

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